"What troubles or problems have you encountered in buying insurance?"
We interviewed dozens of friends on this issue and found that almost all of them had difficulty in "health information" when buying insurance.
Many friends feel that health information is complicated and cannot be understood at all; some people are afraid that not doing a good job of health notification will affect future claims.
In this issue, we want to help you solve some of the most headache problems in the health notice.
The main contents are as follows:
- What are the health notices asked? What do I need to be aware of?
- I don't know if I'm in compliance with the health notice, what should I do?
- Frequently asked questions about health advice
What are the health notices asked?
Health information is like an examination paper, will ask our medical history, health, family history, etc., to know that each product is different, let's look at a certain serious illness insurance health information.
It can be found that the content of health advice looks like a lot, but in fact, it is mainly divided into the following categories:
- Past insurance and claims, such as the accumulated life insurance coverage, etc
- Past medical history, treatment, hospitalization, current health status, etc
- Family history, family genetic disorders of parents or immediate family members
- Occupation, income, hobbies, etc
We only need to answer these questions according to our real situation.
Answering health advice is like the judgment question we do, either choose "part is yes" or "all is no".
- Part of it is: even if the health notice is only slightly inconsistent, it needs to do online intelligent underwriting, or find manual assistance to manually underwrite.
- All are no: The health notice is in line with the information and can be entered in the next next id card.
For diseases that have never been detected before, we do not need to prove that we are healthy through a physical examination.
How do I know which diseases I have suffered?
Most people are at least twenty or thirty years old when they buy insurance, and they don't remember some of the diseases they have had before. So how can you confirm that you have not had the disease in the health notice?
Here are two tips to solve this type of problem.
- Confirm with your parents and relatives that you may not know about the illness you had when you were a child. We can confirm with our parents what diseases we have suffered from, whether we have had surgery as a child, etc.
- View medical records, medical reports: these materials can be printed and saved on paper. If you really can't remember clearly, you can go to the hospital or physical examination institution to inquire.
If there is a health abnormality, it is not clear which products can still be bought, we can confirm the specific situation and professional people, such as the inspection report to the professional underwriting teacher to judge, here is also to share a case with you.
Ms. Zhang had found a lung nodule 4 years ago and had not reviewed it again. The underwriting committee of the pulmonary nodule of the major illness insurance requires a review report for nearly half a year, and she cannot go to the examination during the pregnancy preparation period, so there is no examination report for nearly half a year.
With experience, the underwriting teacher found a serious illness insurance, did not ask about the lung nodules, only asked about the abnormal examination within 2 years, as long as the last 2 years have not checked the lung nodules, you can buy directly.
Underwriting teachers can help us easily solve many problems, if you are also told by health troubles, need manual assistance, you can search for the Deep Blue Insurance Public Number Reply: Welfare, there is a special person to assist in underwriting.
Frequently asked questions
There are more questions about health information, and we have collected the two most asked questions to share.
1. If you buy insurance without reading the health notice, will it affect the claim?
Failure to inform the truth will affect insurance claims, so we must pay attention to health notification.
If it is found after purchase that the insurance application does not meet the notice, you can submit the information to the insurance company for supplementary notification, the insurance company may normally underwrite, may also exclude the underwriting or refuse to underwrite.
It is recommended that you should be careful when reading health notices to avoid sloppy claims.
2. Health notification asks about abnormal examination within two years, should the abnormality of three years ago be informed?
Specifically, it depends on how the product is asked, and here are also two ways to help everyone understand:
- Has the insured had abnormal CT, ultrasound, and molybdenum test results in the past 2 years?
- Has the insured ever had abnormal CT, ultrasound, and molybdenum test results?
In the first case, if the test was abnormal 2 years ago, and the other information did not ask about the specific disease, then it can not be informed.
However, in the second case, as long as the test mentioned has been abnormal, it must be truthfully informed.
Write at the end
In fact, it is not difficult to do the health to inform this "examination paper", as long as you have the patience to carefully confirm it, you can basically find the answer.
After all, in the health information, most of the questions are chronic diseases or more serious diseases that have always existed, and they will generally not be ignored by us.
If you still have questions you want to consult, you can leave us a message directly.
Insurance is a complex science, ordinary people may not pay attention to the pit, here I have compiled a piece of information with many years of practical experience, which contains "social security manual", "insurance guide", "insurance plan", "disease underwriting" and other knowledge, detailed information, pay attention to the deep blue insurance, private message reply "welfare" can be obtained for free, hoping to solve your insurance problems.